PC Financial World Elite

First year rewards (up to)

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending rewards

Annual fee

Annual fee(1st yr waived)

The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.

How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas

30 points per dollar

at Esso

How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries

30 points per dollar

at grocery stores that sell PC branded products

How much do you spend in drug stores each month? Remember that it doesn't matter if you pay for prescriptions, cosmetics, toiletries, food or anything else; it'll all show up as drug store purchases on your cash back credit card statement. Pharmacy

30 points per dollar

at Shoppers Drug Mart and Pharmaprix

How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases

Update results

Update results

For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card.
Insurance

Travel emergency medical

If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car.
Rental

Card details

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee:$0

This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase Interest Rate:
19.97%

This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance:
22.97%

This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer:
22.97%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income:
$70K / Year

This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Family income:
$120K / Year

Be a permanent Canadian resident

Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)